Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes
1 / 48

List Price

$1,199,000

12343 Purple Ficus Way, Naples, FL 34120

8 days on market

Estimated Payment

$10,777/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area1,935 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2024

Listed by

Selin Malikoglu

Real Estate Specialty Svcs II

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

BETTER THAN THE MODEL! Experience exceptional waterfront living in this stunning 3-bedroom, 3-full-bath GL Homes Pelican model, where luxury finishes, thoughtful upgrades, and impeccable attention to detail create a truly extraordinary residence. This beautifully customized single-family home offers a private swimming pool overlooking tranquil water views, complemented by a gas pool heater and newly installed hurricane-rated lanai screens. NO CARPET HERE! Beautiful porcelain tile flooring flows throughout the entire interior, creating a seamless, sophisticated look. The showstopping gourmet kitchen is the heart of the home, featuring exquisite porcelain countertops and backsplash, premium ZLINE appliances, a beverage refrigerator, an expansive island, abundant custom cabinetry, pull-out spice storage, and clever built-in conveniences. Designed for effortless entertaining, the open living area showcases a spectacular custom entertainment center with a dramatic stone-accent wall, elegant sheer drapery, and beautiful views of the outdoor living space. The spacious primary suite offers a luxurious private retreat with custom closet organization, while the versatile home office features impressive built-in cabinetry, glass display cabinets, open shelving, and a Murphy bed for additional guests. Additional designer touches include plantation shutters throughout, custom glass shower enclosures, and a beautifully upgraded laundry room with custom cabinetry, utility sink, and LG WashTower.

12343 Purple Ficus Way, Naples, FL 34120 in Naples, FL 34120 is listed for $1,199,000. The home has 3 bedrooms, 3 bathrooms, and 1,935 square feet, and was built in 2024. Listed 8 days ago. The listing is held by Real Estate Specialty Svcs II.

34120 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$7,732 (tax year 2025)
HOA fee$537 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$10,777/moest.

0% down -- about $2,067 more per month than 20% down conventional.

  • Principal & Interest 76%
  • Property Taxes 6%
  • Insurance 9%
  • HOA 5%
  • USDA Fee 3%
Principal & Interest
$8,244
Property Taxesfrom listing
$644
Insurance
$999
HOA
$537
USDA Annual Fee
$353

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$11,990

30-year fixed at 7.229%, as of October 23, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.229% for a 30-year fixed loan (Optimal Blue daily, published October 23, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

8252 Allendale, Naples, FL 34120

$1,100,000

8252 Allendale, Naples, FL 34120

3 bd · 2 ba · 2,223 sq ft

7319 Lantana, Naples, FL 34119

$995,000

7319 Lantana, Naples, FL 34119

3 bd · 2 ba · 1,809 sq ft

11817 Drake, Naples, FL 34120

$1,395,000

11817 Drake, Naples, FL 34120

4 bd · 3 ba · 2,209 sq ft

12239 Bonnet, Naples, FL 34120

$975,000

12239 Bonnet, Naples, FL 34120

3 bd · 2 ba · 2,209 sq ft

Frequently Asked Questions

The estimated monthly payment is $10,777, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $7,732 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Oct 26, 2026 5:59 AM ET through Oct 27, 2026 5:59 AM ET. MLS# 1193464120. HomeJam is not the listing broker.

List Price

$1,199,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.